Lecture material: Basic of Health Insurance Stikes Indonesia Maju (STIKIM)

1. Risky Kusuma Hartono
Sekolah Tinggi Ilmu Kesehatan Indonesia Maju
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2. §Want as an ideal expectation
§Fact migh deviate from
expectation due to the risk
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3. §Uncertain situation
§Hazard combination
§Perils consequences:
§Loss
§Break event
§Gain
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4. 1. Financial Risk
2. Speculative risk (gain or loss)
3. Pure risk à There is no posibility of gain
4. Fundamental risk à beyond human
capabilities (Ex: war, natural disasters)
5. Particular risk à Fire, theft, accident
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5. 5

6. 1. Take on: do not take anticipatory steps
2. Elimination: avoiding causes of risk
3. Reduction: decrease the possibility of
event
4. Transfer: to other parties
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7. §Risk transfer
§Agreement of insurer to the
insured by receiving premium for
reimbursing the damage or loss
because of an uncertain event
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8. •Main benefit à
- risk transfer
- Loss prevention
•Secondary prevention à
-Investing fund
-Economic growth
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9. 1. Uncertainty of loss
2. Measurability of loss
3. Large number of insureds
4. Significant size of potential loss
5. Equitable sharing
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10. 1. Individual & group insurance
2. Life & health insurance
3. Property & casualty insurance
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11. 1. Medical expense insurance
2. Critical illness insurance
3. Long-term care insurance
4. Disability income insurance
5. Supplemental health insurance
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12. Rejda, G.E., 2011. Principles of risk management
and insurance. Pearson Education India.
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13. Sekolah Tinggi Ilmu Kesehatan Indonesia Maju
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